Systems and methods to quantify and differentiate individual insurance risk actual driving behavior and driving environment

A computer system for determining a real-time operating environment of a vehicle driver, the system comprising:

• at least one computing device having a processor and a memory storing computer-readable instructions that, when executed by the processor, cause the processor to:
• receive vehicle sensor data from at least one vehicle sensor, wherein the vehicle sensor data is representative of actual operation of a vehicle;
• receive driver environment data from at least one sensor, wherein the driver environment data is representative of at least one of:
• a position of a driver-side seat or a position of a passenger-side seat;
• determine a real-time operating environment of the driver based on the received vehicle sensor data and the received driver environment data;
• generate at least one of:
• driver warning data or driver advisory data based on the determined real-time operating environment;
• and
• transmit at least one of:
• the driver warning data or the driver advisory data, to the processor of the client device to be displayed to the driver via the user interface of the client device.

A non-transitory, computer-readable medium storing instructions that, when executed by a processor of a computer system, cause the processor to:

• receive vehicle sensor data from at least one vehicle sensor, wherein the vehicle sensor data is representative of actual operation of the vehicle;
• receive driver environment data from at least one sensor, wherein the driver environment data is representative of at least one of:
• a position of a driver-side seat or a position of a passenger-side seat;
• determine a real-time operating environment of the driver based on the received vehicle sensor data and the received driver environment data;
• generate at least one of:
• driver warning data or driver advisory data based on the determined real-time operating environment;
• and
• transmit at least one of:
• the driver warning data or the driver advisory data, to the processor of the client device, to be displayed to the driver via the user interface of the client device.